First Choice Federal Credit Union

Overview / Commentary
2209 W State St
New Castle, PA 16101

First Choice Federal Credit Union is headquartered in New Castle and is the 121st largest credit union in the state of Pennsylvania. It is also the 2,407th largest credit union in the nation. It was established in 1952 and as of December of 2019, it had grown to 11 employees and 6,890 members at 2 locations. First Choice Federal Credit Union has a B health rating.

Field of Membership Restrictions

First Choice Federal Credit Union is open to those who live, work, attend school or church, or volunteer in Lawrence County. Membership also extends to immediate family, and Select Employee Groups (must contact credit union for a list of Member Companies).
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. First Choice Federal Credit Union has a low asset base.

Health Grade Components

NCUA #8229
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD7.89%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$45.9MM$44.0MM
LoansQ4 2019vs Q4 2018$36.4MM$32.6MM
DepositsQ4 2019vs Q4 2018$41.7MM$40.2MM
Equity CapitalQ4 2019vs Q4 2018$4.1MM$3.8MM
Loan Loss AllowanceQ4 2019vs Q4 2018$179.00K$156.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$131.00K$165.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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First Choice Federal Credit Union Savings Account Rates

0.75%--IRA Share Account
0.20%--Christmas Club Account
0.20%--Vacation Club Account
0.10%$100-Regular Share Account
0.10%--Escrow Account
0.10%--Loan Collateral Account

First Choice Federal Credit Union Locations
Branch Office1144 Butler AveNew Castle, PA 16101-4264
Branch Office2209 W State StNew Castle, PA 16101-1138

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